How to Contact the Original Creditor in Collections
June 1, 2011 by Jesse Driscoll
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If you have a bill in collections, track down your original creditor to pay your bill and work on improving your credit. When a debt isn’t repaid, it can move from one collection agency to another while employees attempt to collect a portion of the debt. If you need to speak to the original creditor, find out their contact information and make the call. Original creditors may not be able to get the debt back from the collection agency it was sold to, but you can find out how legitimate the debt is by speaking with them.
Difficulty: Moderately Easy
Instructions
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- 1Check your credit report for a list of your debtors. Contact information, including addresses and phone numbers, is included. You can view a free copy of your credit report once each year at AnnualCreditReport.com.
- 2Call the creditor. Give your name and information they need to look up your debt.
- 3Ask if they are the original creditor or a collection agency. Ask for the contact information for the original creditor.
- 4Look at your old paperwork and bills for the contact information if the collection agency doesn’t have it.
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